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Debt Relief

Find Debt Relief in 3 Easy Steps

We help you to secure a stable and fulfilling financial future

Talk with a Counselor Today

Find out your options with one of our Certified Credit Counselors absolutely free

We Work with Your Creditors

We’ll negotiate with your creditors and help to lower your interest rates and reduce fees

Become Debt Free Faster

Save thousands of dollars and years of time becoming debt free with us

Get A Quote

Speak with a Certified Credit Counselor

Here are some of the plans our network of brokers offer:

Preferred Provider Organization (PPO) Plans

With a PPO, most healthcare is provided by a network of providers who are partnered with the plan and may offer a discount to their normal rates. Members can also receive service from providers outside of the network for a higher out-of-pocket cost. The major advantages of a PPO are flexibility and choice; for example, with a PPO you can get specialist visits covered without a referral from your primary care doctor.

Health Maintenance Organization (HMO) Plans

HMOs are a lower cost alternative to PPOs, offering less flexibility but also lower premiums. Unlike a PPO, HMO members must receive care from doctors, specialists and hospitals that are within the HMO’s network. With an HMO, you select a primary care physician, or PCP, who serves as your primary contact for all of your healthcare needs. In addition to providing general medical care, your PCP must also be consulted in order to see a specialist.

Short Term Medical Insurance

Also known as temporary health insurance, Short Term Plans cover major hospital, medical, and surgical expenses related to a covered illness or injury. Short Term Plans can be significantly cheaper than major medical plans, but they also offer less coverage. Short Term health insurance is ideal for people who are waiting for employer insurance to start, are between jobs, or who are just getting off their parents’ coverage.

Health Savings Accounts (HSA) Plans

Health Savings Account Plans allow you to put tax-free money away to cover healthcare costs. HSA Plans must be combined with a High Deductible Health Plan (HDHP), which is a plan that offers low premiums in exchange for a high deductible. HSAs and HDHPs complement each other because the income tax-free money that you put into your HSA can be used to pay for your deductible, should you ever require expensive medical care. HSAs are regulated by the IRS, and have similarities with other investment vehicles; for example, ownership can be transferred to a spouse tax-free if the account owner dies.

We know that health insurance can be confusing, and you probably have a lot of questions. That’s why we recommend speaking to a licensed health insurance agent before enrolling in a plan. Health insurance agents are licensed in their local state to provide advice and help people select the best plan for their unique needs. There is no obligation to get a free health insurance quote, and no cost at any time to use this service.

How Much Can You Save?

Making minimum monthly payments

On Your Own

Starting Balance	$14,882
Interest Rate	22%
Minimum Monthly Payment	$479.00
Months to Pay off Debt	276
Interest Paid	$30,202

For illustration purposes only. Example based on typical program benefits; actual results may vary.

Typical Savings with our Debt Management Plan

With Our Help

Starting Balance	$14,882
Interest Rate	8%
Minimum Monthly Payment	$369.00
Months to Pay off Debt	52
Interest Paid	$2,645

For illustration purposes only. Example based on typical program benefits; actual results may vary.

Why Choose Us

As a non-profit agency, We provides counseling and debt management services for individuals and families who are experiencing debt problems. Whatever the form of debt, our agency is here to help.

Take Control of Your Spending

Imagine controlling your money instead of having it control you. It may sound difficult, but with our assistance, a time will come when every penny you earn is under your capable control. You can do it and we can help.

Learn Money Management

Once you’re on your way, you’ll have a personal obligation to improve your money management skills. That’s why educating you and your family is the most important part of what we do.

Plan a Monthly Budget

In our FREE book, we make the point that “It’s not what you make, it’s how you spend.” Regardless of your income, you’ll be amazed at what you can achieve by simply planning and meeting a monthly budget.

Get One Manageable Monthly Payment

Imagine combining all of your monthly bills into a single, manageable payment. We can consolidate any of your unsecured debt such as credit cards, medical and personal loans.

Become Debt Free in Just 3-5 Years

We help free people, like you, from a lifetime of mounting debt. Our team will work with you and your creditors to reduce interest and eliminate late fees by as much as 60 percent.

Save Thousands on Interest and Fees

As a member of our Debt Management Program, you’ll start saving on interest and late fees right away.

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